Tim Leonard
Mob: 0416 164 132
Karen Leonard
Mob: 0417 369 611
Mortgage Choice in Bayside, Victoria
Winner Mortgage Choice 2010/11 Single Operator of the Year Award Vic/Tas
Winner Mortgage Choice 2007 Business Excellence Award Vic/Tas
Tim Leonard is your local Mortgage Choice broker covering the Bayside area and abroad.
If you are looking to buy a property in a Bayside suburb including Brighton, Brighton East, Hampton, Bentleigh, Bentleigh East, McKinnon, Ormond, Moorabbin, Heatherton and abroad, Tim can help. Tim is a local resident and is dedicated to helping his customers realise their property goals in this attractive locality.
Tim has strong industry experience and will make the process of finding, negotiating and settling on a home loan easy and stress free. His friendly, knowledgeable service will help you understand the many different home loan options available, and find one that suits you.
Mortgage Choice in Bayside works with dozens of banks and lenders, giving you a comprehensive choice of home loan options.
Contact Tim on 03 9589 7277, or 0416 164 132. Or use the contact link at the top of this page.
Why use a Mortgage Broker?
Mortgage brokers remove the time, hassle and confusion that often come with finding a home loan.
Our job is to:
1. Understand and analyse your personal home loan requirements
2. Filter through the hundreds of home loan options on the market
3. Find the one(s) that most suit your individual circumstances
4. Work through the entire application process alongside you right through until settlement
5. Be available long-term to help you reassess your home loan as and when your circumstances change.
Why work with Mortgage Choice in Bayside?
Mortgage Choice in Bayside is dedicated to exceptional customer service, and recently won their second Mortgage Choice Business Excellence Award for Single Operator in Victoria and Tasmania.
Tim Leonard has helped hundreds of satisfied clients negotiate the mortgage landscape.
Whether you are a first home buyer, are refinancing, or investing, Tim can help you make informed choices about what sort of loan will suit you. He takes the time to understand your current situation and your long term property and financial goals.
Tim can:
- answer all your questions
- sort through the myriad of options on offer
- negotiate with lenders on your behalf
- take care of the paperwork.
Working with an experienced specialist like Tim could even help you save thousands of dollars in home loan costs.
Simply put, Mortgage Choice in Bayside will take away the stress and hassle of finding and securing a great home loan leaving you free to enjoy the process of buying your dream property.
They also offer you a
FREE Property Report (valued at $75), just for making a no-obligation appointment. A Property Report can help you:
- Pay the right price
- Assess the worth of a property
- Compare a property to the suburb average
- Compare a property to other local properties
- See how much equity you have in your home
NO COST TO YOUAt Mortgage Choice, our service doesn't cost you anything. Our consultants get paid the same* commission, no matter which home loan you choose from our panel of lenders.
*This information refers only to loans provided by our panel of up to 25 lenders with whom Mortgage Choice has an agreement, under which it receives commissions and other payments.
Now there's more CHOICEIf you are considering something other than residential loans, we can also assist you with a range of other products with the same great service.
- Vehicle Leasing
- Building & Contents Insurance
- Life Insurance
- Commercial Loans
- Personal Loans
- Equipment Finance
Contact Mortgage Choice in BaysideLet Mortgage Choice in Bayside help you find your next home loan. Phone us anytime on
03 9589 7277 or
0416 164 132. Or use the
contact link at the top of this page.
Testimonials
I can highly recommend Tim and Karen Leonard for looking after your home loan acquisition. My experience was that they immediately chose the right product to meet my needs, and they worked day, night, and weekend to meet a very tight deadline in sourcing the finance at short notice. Tim and Karen kept me up to date by phone, text, and e-mail, on a day to day basis (sometimes hour to hour), and made sure I was fully informed throughout the process. Their service is very professional, upfront and honest. Their efforts are Trojan, and I am a very happy and appreciative customer. It is hard to find such a high level of service in any business today.|||Dr Michael O'Gorman|||Property Investor|||Lower Plenty|||VIC
My experience with Mortgage choice has been very pleasing. It has been extremely personalised and they are very approachable and helpful in allowing me to fulfil my financial goals. Tim was very professional and also very informative with my situation, and Karen keep me updated with the progress of my application throughout the processing period. I highly recommend Mortgage choice with your loan requirements.|||Dr Benjamin Allan|||Property Investor|||Beaumaris|||VIC
The explanation of the products was really clear. This was especially due to having full visibility of the varying products that were available. I was kept fully informed at all stages of the process. I was even kept updated when nothing was happening - great work! Many thanks for your impeccable support and assistance throughout my refinancing. Your enthusiasm and dedication to helping me was paramount to this being an easy transaction.|||Caroline Atkinson|||Refinancer|||Hampton|||VIC
Testimonial from
I can highly recommend Tim Leonard - Mortgage Choice. Tim had been referred to me by a relative and exceeded my expectations from our first meeting. I felt really well looked after and informed during the whole process. Tim, Karen and Amanda all did their utmost to ensure everything went smoothly. They provide an excellent service and I wouldn't hestitate to recommend them to others.|||Jenni Austin|||Upgrader|||Parkdale|||VIC
This was my first experience on my own in obtaining finance for a new house, Tim & Karen were excellent. Very friendly, approachable and informative. At no time did I feel unsure or confused. All my questions were answered simply which was great. I would highly recommend their service and in fact have already given their details to a close friend.|||Gina Ruwoldt|||Property Investor|||Highett|||VIC
After being with the same mortgage financier for many years, we felt it was time to see what other
companies could offer in respect to products and savings. Our experience with Karen and Tim Leonard was fantastic, offering us many savings and new ways to set ourselves up. They were very
helpful, making sure we understood. Their professionalism and service is the best. Thank you Karen and Tim.|||Darren & Nicole Ward|||Refinancer|||Beaumaris|||VIC
We were looking to expand our investments from just our home but we were not sure about the sort of loan and the set up we would require. Tim kindly met with our accountant which enabled us to get the best loan for our financial goals. The service we received was fantastic as Tim and Karen communicated the process to us and then went about getting everthing done efficiently. Thanks for your patience with all our questions, we will cetainly recommend Mortgage Choice in Bayside to anyone.|||Michael & Tania Whittaker|||Property Investor|||Beaumaris|||VIC
My experience with Mortgage Choice in Bayside was extremely positive. Being a first home buyer, I was understandably nervous and overwhelmed by the process of securing a home loan. However, the friendly service, reassurance and helpful explanations I received made the process that much more manageable. Tim and Karen took everything off my hands. What's more, when we came up against problems, they went above and beyond to get them resolved as quickly as possible. I would highly recommend Mortgage Choice in Bayside and plan to use their services again in the future.|||Laura Brown|||First Home Buyer|||Port Melbourne|||VIC
We have no hesitation in recommending the services of Tim and Karen Leonard of Mortgage Choice. Tim’s extensive product knowledge allowed us to move forward quickly with the process and we were regularly updated along the way. We were extremely satisfied with their professionalism, efficiency, attention to detail, and the personal manner in which we were dealt with.|||Brendan & Robyn Jackson|||Refinancer|||Beaumaris|||VIC
We decided to use Mortgage Choice in Bayside purely by chance and contacting Tim and Karen was one of the best things we could have done. They took all the hassle and worry out of what would have otherwise been a very confusing and stressful time. Despite the fact we had a very long settlement (5+ months) we were regularly contacted and kept informed throughout the process. I would not hesitate to recommend their services and would certainly use them again if the need arises.|||Warren & Joanne Gray|||First Home Buyer|||Mentone|||VIC
How will today's rate cut help you?
Save more by revving up your loan repayment strategy
Published: 3rd May, 2012
Provided lenders pass on all or most of today's Reserve Bank cash rate cut, astute home loan holders who maximise this opportunity could save thousands of dollars in interest and shave months, or even years off their loan term, according to Australia's largest independently-operated mortgage broker, Mortgage Choice.
Company spokesperson Belinda Williamson said, "We hope today's move by the Reserve Bank to lower the cash rate by half of a percentage point to 3.75% does not become a non-event for variable rate borrowers. A decision by lenders to pull the rate lever will likely have a much needed, positive impact on property buyers' plans and borrowers' ability to repay their home loan quicker."
"It is no secret that some lenders have shown a reluctance to pass on the full rate cut in a bid to safeguard their businesses against future funding costs. However, we are hopeful that in an effort to reignite the property market, entice new customers and in the spirit of competition, lenders will lower their home loan interest rates.
"Even if lenders, regrettably, pass on only part of the cash rate cut, astute borrowers who rev up their loan repayment strategy by keeping repayments at the pre rate cut level could save thousands of dollars in loan interest and shave months, or years off their home loan term."
If a lender passes on the full 0.50% rate cut announced today, for someone with a $300,000 loan at 7.25% over 25 years, it would lower monthly loan repayments by around $96.
"If a borrower continued to repay their loan at the pre cash rate cut level, leaving the monthly savings of $96 in each repayment, it could save them $68,364 in total interest payable and may see them repay the loan two years and eight months earlier," said Ms Williamson.
"If lenders choose not to pass on all, or most of the cash rate cut, borrowers should see it as a signal to shop around for a more competitive deal. Of course, they should not move from one lender and/or loan product to another without carefully weighing up the cost versus benefit of doing so.
"Health checking a home loan with a mortgage broker is a great way to ensure you are getting the deal suited to your needs and financial circumstances."
To see the impact extra repayments can make to your home loan, visit Mortgage Choice's Extra Repayments Calculator:http://www.mortgagechoice.com.au/extra-repayments-calculator.